August Jingdong, Suning and other electricity providers giant price war in four when the heavy hand of the banking bigwigs did not break, have to start cross-border online shopping mall, to e-commerce in this market share. The bank has just started e-commerce in the affirmative, but also led to the outside world for cross-border questioned. Bank on the road in the end how far it can go, what is the prospect of how much doubt remains.
electricity supplier cake bigger and bigger
this year, the real economy consumption "weak", but the electronic commerce is a big step in the growth of. "2012 (on) China e-commerce market data monitoring report" data show that as of June this year, Chinese e-commerce market transactions amounted to 3 trillion and 500 billion yuan, an increase of 18.6%.
data show that the first half of the year, the number of registered users taobao.com reached 470 million, every Taobao shopping crowd of billions of dollars; 2012 Jingdong performance report in the first half, sales rose more than 120%, GMV (turnover) year on year growth of 161%. The operation of the online mall, breaking the limitations of the store regionalization, saving stores, advertising and other operating costs, no operating time constraints, flexible operation and other features to attract more and more enterprises to enter.
statusThe high growth of
e-commerce attracts more and more enterprises to join, and banks are no exception. At present, the Bank of China, China Construction Bank, ICBC, bank, China Merchants Bank, China Everbright Bank, industrial bank, Minsheng Bank and other banks have opened up the "shop", its products have up to nearly a million pieces, covered financial products, food, household appliances, jewelry, cosmetics, clothing and shoes etc..
business model is now differentiated
it is understood that the current commercial banks do ordinary commodity electricity supplier there are two main models. One is for their customers, or a class of customers to provide a platform for business, commercial banks to build their own points mall, credit card mall represented.
another model is pure electricity supplier model, supply from all parties, consumers are not limited to our customers. In June this year on the line of Construction Bank e-commerce financial services platform, good financial business is a typical representative of this model.
most banks lose money earn call
reporter browse a number of banks in the shop, and compared with the traditional electricity supplier found that some of the bank’s online store prices are mostly different from the traditional electricity supplier.
although the bank to enter the business of Shirupozhu, but the response was generally. So far, most banks may still earn money in "". Reporters found that now the majority of online shopping mall is not high, the purchase is also low